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Personal Checking Accounts
Makes your financial life simpler
Find out which account is best suited for your lifestyle and banking needs.
What is Virtual Wallet?
Virtual Wallet helps you spend, save, and grow your finances.
Manage your money online with Virtual Wallet
Pay your bills, track your spending by category, set savings goals, and more with Virtual Wallet online tools. Explore money management tools »
Virtual Wallet is made up of Spend (your primary checking account), Reserve (for short-term savings) and high-yield[1] Growth (for long-term savings) accounts.
Select the type of Virtual Wallet that best suits your needs:
If you want premium account features with the highest level of rewards and benefits
- No PNC fees for use of non-PNC ATMs. Other banks' surcharge fees are reimbursed. See how much in your area »
- Free transactions at approximately 9,000 PNC ATMs
- Bonus rewards when you link select PNC Visa® Credit Cards
- Highest level of interest rate paid on balances
- Multiple ways to avoid monthly service charge
Learn More
- Some PNC fees for use of non-PNC ATMs are reimbursed. Other bank's surcharge fees may be reimbursed. See how much in your area»
- Free transactions at approximately 9,000 PNC ATMs
- Bonus rewards when you link select PNC Visa® Credit Cards
- Interest paid on balances
- Multiple ways to avoid monthly service charge
Learn More
- Free transactions at approximately 9,000 PNC ATMs
- Bonus rewards when you link select PNC Visa® Credit Cards
- Earn cash with PNC Purchase Payback[2]
- Multiple ways to avoid monthly service charge
Learn More
- Provide proof of active enrollment in a qualifying educational institution to receive a monthly service charge waiver on your Virtual Wallet for 6 years.[3]
- Free access to your accounts at approximately 9,000 PNC ATMs. Find one near you »
- PNC Bank Visa® Debit Card
- International Services including language interpretation and international wire transfers. Learn More »
Learn More
Prefer a traditional checking account?
Important Legal Disclosures and Information
If you make at least 5 qualifying purchases in a month with your Virtual Wallet Debit Card and/or PNC credit card included in your Virtual Wallet or set up a qualifying monthly direct deposit of at least $500 for Virtual Wallet, or $2,000 ($1,000 for PNC WorkPlace Banking® or Military Banking customers) for Virtual Wallet with Performance Spend, or $5,000 for Virtual Wallet with Performance Select, you’ll earn the higher relationship rate on your Growth account for the following month. Transactions are considered to be made when the transaction posts to the Spend or credit card account, which may be later than the date you initiated the transaction.
We will only link accounts at your direction. If you have not directed PNC to link another account to your Virtual Wallet, the accounts will not be linked and you will not receive a relationship rate, applicable waivers of monthly service charges or other relationship benefits on your unlinked PNC accounts. The requirement that you direct us to link accounts in order for you to receive benefits applies to all of your PNC accounts.
A qualifying direct deposit is a recurring electronic deposit made by an employer or an outside agency. Transfers made from one account to another or deposits made via a branch, ATM, online transfer, mobile device or the mail are not eligible to meet this requirement.
Offers are available from participating merchants. Your personal banking information is not shared with the merchants participating in PNC Purchase Payback. Whether you receive offers may depend on using your PNC Visa Card, or where you use your PNC Visa card to make purchases. Not everyone will get the same offer.
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Provide proof of active enrollment in a qualifying educational institution to receive a monthly service charge waiver. This waiver expires 6 years after the account is enrolled in the student banking program.
For additional information, see the Account Agreement for Personal Checking Accounts or the Virtual Wallet Fine Print.
PNC Purchase Payback is a registered mark of The PNC Financial Services Group.
PNC SmartAccess and SmartAccess are registered trademarks of The PNC Financial Services Group, Inc.
Visa is a registered trademark of Visa International Service Association and used under license.
Bank deposit products and services provided by PNC Bank. Member FDIC
PNC WorkPlace Banking is a registered servicemark of the PNC Financial Services Group, Inc.
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